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Protecting Your Manufactured Home In Benson, AZ.

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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can't guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Benson, AZ: Costs, Coverage, and Considerations

Welcome to Benson, Arizona - a timeless city where the whispers of history echo through desert canyons!

Resting comfortably between the rolling hills and sweeping plateaus of southeastern Arizona, Benson emerges as a delightful interplay of historical allure and natural grandeur. Located along the banks of the San Pedro River, this city is a tapestry woven with tales of early railroads, pioneering spirits, and ancient civilizations set against the breathtaking canvas of the desert landscape.

Benson’s origins trace back to the era of the Southern Pacific Railroad. Once a crucial rail hub that connected the vast expanses of the Southwest, the town bloomed around the tracks, becoming a vital link in the region’s growth and commerce. That rich history is still palpable today, with railway enthusiasts and history buffs often retracing the age-old trails and stories encapsulated in local museums and heritage sites.

Nature, in its raw and unyielding form, is undoubtedly one of Benson's most captivating charms. The nearby Kartchner Caverns State Park is a marvel to behold. Hidden beneath the earth's surface, these limestone caverns unfold as a subterranean wonderland, adorned with dramatic stalactites, stalagmites, and other intricate formations. Above ground, the Cochise Stronghold in the Dragoon Mountains stands as a silent sentinel, bearing tales of the Apache chief Cochise and his band, who once sought refuge in these rugged terrains.

Benson’s intimate relationship with the San Pedro River has cultivated a thriving ecosystem. The San Pedro Riparian National Conservation Area, with its lush gallery forests and meandering streams, offers a startling contrast to the arid desert, attracting a plethora of bird species and establishing the region as a birder's paradise.

Culinary explorations in Benson are an ode to its multicultural legacy. From sizzling Southwestern flavors to classic American diners, the city's eateries are a delightful blend of traditional tastes and innovative fusions.

Community-driven events and festivals in Benson are a reflection of its close-knit spirit. The annual Butterfield Overland Stage Days, for instance, not only commemorates the historic mail route but also celebrates the enduring spirit of the pioneers who helped shape the American Southwest.

For the curious traveler, Benson offers layers of intrigue. One could delve into the mysteries of the ancient Native American rock art found in the region or explore the tales of ghost towns and mining camps that dot the surrounding landscapes. In essence, Benson, Arizona, is where the sands of time have preserved tales of bygone eras, where every rock and ravine has a story to tell, and where the whispers of history and the songs of nature create a symphony that resonates deep within the soul. Whether you seek adventure, serenity, or a journey back in time, Benson welcomes you with open arms and endless horizons.

Understanding Mobile Home Insurance In Arizona

Arizona manufactured home insurance typically costs anywhere from $300 to $1,000 per year. Insurance rates are influenced by a combination of factors related to the risk of insuring the property. While specific factors may vary slightly among insurance providers, here's a general list of factors that may be used to determine mobile and manufactured home insurance rates in Arizona:

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

  •  Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
Features like storm shutters, tie-downs, and anchored foundations can reduce the risk of damage and may reduce premiums. On the other hand, amenities like pools or trampolines can increase them.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • he more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

The materials and quality of construction can influence how resistant a home is to certain types of damage.

Some insurers use an insurance score, which is similar to a credit score but specifically geared towards predicting insurance losses.

Choosing the Right Mobile Home Insurance for Benson, AZ

While AZ has a lot of laws and regulations that safeguard the interests of mobile home tenants and owners all around the state, it is important to keep tuned into the local laws and regulations in your area! For Benson, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Benson, AZ

  • Severe Weather Warnings: There are continuous reports of marginal risks of severe weather in Benson, with potential for strong winds, thunderstorms, and other severe weather patterns.
  • Flash Floods: Common in Northern Arizona due to the arid environment, flash floods can be described as “more water than you want in less time than you have.” Benson’s geographical positioning makes it particularly susceptible.

Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:

  • Safety Concerns: Rapidly rising waters from flash floods can endanger residents and lead to property damage.
  • Infrastructure Damage: Flash floods can cause erosion, compromising the ground and stability of mobile and manufactured homes.
  • Vehicle Safety: RVs and mobile homes are at risk from floodwaters both when stationary and on the move.
  • Wildfire Threat: With a severe risk from wildfires, Benson faces significant threats due to its arid environment and vegetation.
  • Heat Dangers: There’s a major risk from heat, particularly with elevated overnight lows and increased humidity. The upcoming weekend and early next week pose an extreme risk of heat-related impacts.
  • Sun Exposure: There is a very high risk of harm from unprotected sun exposure.

Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:

  • Health Concerns: Excessive heat can be especially harmful to seniors, children, and those with medical conditions – groups commonly found in mobile home communities.
  • Cooling Systems: Mobile homes and RVs might require additional cooling systems to combat the intense heat, resulting in increased energy consumption and costs.
  • Wildfire Preparedness: Given the increased risk, residents should be prepared to evacuate swiftly if a wildfire approaches.
  • Severe Wind Risk: Apart from regular weather patterns, Benson also faces significant risks from severe winds, which can be particularly damaging to properties.
  • Other Potential Risks: Though not detailed, it’s important to be prepared for other potential risks like dust storms or other atmospheric events.

Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:

  • Infrastructure Vulnerability: Mobile homes and RVs, with their relatively lightweight construction, are more vulnerable to wind damage.
  • Safety Concerns: Strong winds can pose threats from flying debris and fallen trees.
  • Securing Property: Mobile homeowners and RV owners need to take extra precautions to secure their property and vehicles during windy conditions.

In Benson, understanding and preparing for these diverse risks is essential. Mobile homeowners, manufactured housing populations, and RV owners should be proactive in securing their properties and prioritizing safety during severe weather events.

Area Attractions in/around Benson, AZ

 near the village of Dragoon in Cochise County, Arizona, about 65 miles east of Tucson in Texas Canyon.

the historic site in the Coronado National Forest, provides a fascinating day-trip from Benson. This is the rocky fortress where the great chief and his followers held out against the U.S. Cavalry and the drive provides some fine scenery in addition to the historical experience.

 has provided a loving home for donkeys since 1998. Many of these intelligent & beautiful animals have health issues because of neglect in their past. Some of these donkeys are in a safe environment, for the first time in their lives.

 Located on Hwy 90 in the Whetstone Mountains, these unique caverns are the most pristine in the United States. The park just opened the Big Room to the public making the park that much more exciting. These caverns are living, growing, wet caves, and the moisture levels are closely monitored to make sure that they are not destroyed. There are camping facilities, hiking trails, bird sanctuary, Visitor’s center, interpretive displays and a gift shop.

This historic movie set is now open to the public on a limited basis, see website for dates and times. Western enthusiasts can visit and take a tour with a knowledgeable historian. The set will also be available for special events. First and foremost, Mescal is still a working film set available for movies, television, documentaries, commercials, music videos, and more.

Historical Museum with changing displays and exhibits highlighting local cultures.  Once a grocery store, the building is on the National Register for Historical Buildings. 180 S. San Pedro St. Benson, AZ 85602

extends from St. David, Arizona to Naco, Mexico. On the 40 miles of the upper San Pedro River the conservation area has over 50,000 acres with quantities of wildlife and vegetation, including over 350 species of birds. Over 250 recorded prehistoric and historic sites, the area offers bird watching, wildlife viewing, photography, hiking, camping, seasonal hunting, horseback riding, nature studies and environmental education. 

Property Crime Rates in Benson, AZ

Here's a summarized analysis of the crime situation in Benson, Arizona:

  • Benson’s crime rate stands at 21 crimes per 1,000 residents. Although not one of the highest, it significantly exceeds the national average. The probability of a resident becoming a victim of either violent or property crime in Benson is 1 in 47.
  • When compared with other locations in Arizona, Benson’s crime rate surpasses 72% of the state’s cities and towns, regardless of their size. This positions Benson higher on the list in terms of criminal activity within Arizona.
  • Analyzing it alongside communities with similar populations, Benson’s crime rate is significantly higher. This remains true even when comparing it to communities across America, irrespective of their sizes.

Violent Crime Insights:

Property Crime Insights:

The data paints a clear picture: Benson, AZ has challenges to address in terms of both violent and property crimes. The elevated levels, especially when measured against similarly sized communities, are a cause for concern. It's essential for local stakeholders, including law enforcement and community leaders, to collaboratively devise strategies to mitigate these issues and foster a safer environment for all residents. Moreover, residents and those considering visiting or relocating to Benson should be informed and vigilant, taking adequate precautions to safeguard themselves and their property.

Mitigation Measures:

If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.

Consider Additional Coverage:

Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.

Compare Deductibles and Premiums:

Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.

Review and Compare Quotes:

Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!

Inflation Protection:

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

Cancellation Policy:

Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.

Keep This In Mind:

While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.

Did You Know ?

Arizona law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises!

Arizona Mobile Home Facts

Mobile homes account for roughly 15 percent of Arizona’s total housing units - which equals out to around 305,000 mobile home units in The Great Grand Canyon State!

Within most regulated areas of Arizona, a multi-sectional manufactured home can be placed in any location in which a site-built home is permitted.

A single wide mobile home can also be placed in any location in which a site-built home is permitted, in a mobile home subdivision, or in a mobile home park – all that you need is a development permit handy!

The MVD is responsible for issuing certificates of title to mobile homes.

  • The Arizona Motor Vehicle Division (MVD) is responsible for issuing certificates of title for mobile homes.
  • A $7 title fee is required for each section of the mobile home.
  • Mobile homes that are affixed to real property do not receive titles from MVD.

To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.

When completing an affidavit of affixture, you will surrender the title(s) of the mobile home to MVD.

MVD will then issue a receipt for the surrender of the title(s).

If you are buying a used mobile home from a company, business, or mobile home park, make sure to receive a business card or other proof that the person who signed the back of the title as the seller is affiliated with that entity.

Please note, these are general guidelines, and it is advisable to consult the Arizona Motor Vehicle Division or visit their website for specific instructions and requirements when applying for a mobile home title.

Learn about the MHD

The Manufactured Housing Division (MHD) of Arizona’s Department of Housing maintains safety standards for these homes that are consistent with the standards put out by the US Department of Housing and Urban Development (HUD). In addition to regulation from HUD and MHD, every mobile home park has its own set of rules. Most require that you obtain a valid mobile home insurance policy, so check with park management for details.

Mobile Home Relocation Fund

The Mobile Home Relocation Fund is a state sponsored aid package that is administered by the Arizona Department of Fire, Building and Life Safety (see If you are a mobile home park tenant, you may have access to money from the Mobile

Home Relocation Fund in the case of:
(i) closure of the park
(ii) redevelopment of the park
(iii) a qualifying rent increase
(iv) a change in community age restriction; or
(v) rehabilitation of a pre-HUD home (built before June 15, 1976)

Coastal Property :
Insurance Pool

Unlike certain coastal states, Arizona doesn’t have a coastal property insurance pool. Therefore, mobile home owners in Arizona need to look for insurance through private providers.

Know your rights!

Even though it's not a legal requirement in Arizona, mobile home insurance is often a wise investment to safeguard your property. Read through the following guides to help familiarize yourself with rules and regulations in Arizona:

Add-Ons, Endorsements, and Riders in Arizona

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

  • Sewer and Water Backup
  • Equipment Breakdown
  • Inflation Guard/Guaranteed Replacement Cost
  • Personal Property Replacement Cost
  • Home Business
  • Watercraft
  • Identity Theft
  • Personal Injury
  • Secondary Residence
  • Limited-Term Endorsements
  • Floaters/Riders for high-value items

It is crucial to review your policy and consult with your insurance company to identify what is covered, as well as what is not, before deciding which add-ons, endorsements, or riders to add to your policy.

Exclusions eliminate coverage for certain risks that are considered unwanted or already covered by other policies. Some examples of exclusions include: 


  • Catastrophic Events: war is a common exclusion, as it will likely affect a huge number of people, damage caused by war would not be covered.
  • Existing Coverage: if a cause of loss is covered by another type of policy, the insurance company will avoid double coverage.
  • Actions Within Control: if the damage could be easily prevented by an insured, that may be excluded. A common example would be excluding damage to personal property left out in the open caused by rain, snow, ice, or sleet.
  • Non-accidental Incidents: Most policies will not cover damage caused on purpose.
  • Regular Wear and Tear: if proper maintenance or replacement would have prevented the damage, normal wear and tear are not covered.
  • In Motion: Generally, coverage under an insurance policy doesn’t apply while a mobile home is in motion. Some insurers may offer temporary coverage for physical damage that occurs while a mobile home is moving. If you want this kind of coverage, it’s best to speak with an insurance provider.
  • Earthquakes:

Earthquakes are a significant exclusion in mobile home policies in Arizona due to the area’s higher susceptibility to earthquakes. It is    important for mobile homeowners to understand the coverage limitations in case of earthquake damage.


  • BSL-Preemption Law in Arizona:

Arizona has passed a law that forbids cities and counties from enacting or enforcing breed-based dog regulations. This new law aligns with the trend of 20 other states having “BSL-preemption” laws that restrict Breed-Specific Legislation (BSL) at the local level.

Finding A Manufactured Home or Community in Benson AZ

If you're in the market for a mobile or manufactured home in Benson, it's important to have access to reliable and trustworthy information. Benson, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Benson has something for everyone.

Stagecoach Trails MHC

Address: 260 South Land Ave, Benson, AZ 85602
Description: Stagecoach Trails MHC is an age-restricted (55+) community located in Benson, Arizona. It features wide paved streets, off-street parking, and homes with peaked roofs and lap siding. There are age restrictions in place, with at least one person in the household being 55 years or older, and no persons under 21 are allowed. Pet policies can be found in the park rules.

San Pedro Resort Community

Address: 1110 South Highway 80, Benson, AZ 85602
Description: San Pedro Resort
Community is an age-restricted (55+) community located in Benson, Arizona. It offers a clubhouse, swimming pool, and recreational facilities. The community features paved streets and homes with peaked roofs and lap siding. It is a senior community with age restrictions in place.

Cottonwood Ridge MHC, LLC

Address: 895 East Mcneil Road, Benson, AZ 85602
Description: Cottonwood Ridge MHC, LLC is an age-restricted (55+) community located in Benson, Arizona. It offers vacant sites, and the community features gravel streets, off-street parking, and homes with peaked roofs and lap siding. Age restrictions require at least one person to be over 55, with no persons under 21 allowed. Pet policies can be found in the park rules.

Benson's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

Finding the Best Mobile Home Insurance In Benson

It's essential to compare quotes from various insurance providers and work with local agencies that understand Benson's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

  • Reasoning: In rural areas like Benson, property crime concerns may arise. This endorsement provides coverage for the installation and maintenance of security cameras on your rural property.
  • Reasoning: Arizona experiences dust storms. This coverage offers protection for damages to your mobile home or RV caused by dust storms, including sandblasting of exterior surfaces.
  • Reasoning: Sun protection is essential in the Arizona desert. This coverage addresses damages to sunshades and awnings due to sun exposure and strong winds.
  • Reasoning: Many rural properties have septic systems. This endorsement offers coverage for repairs or replacements of your mobile home’s septic system.
  • Reasoning: RVs often have outdoor equipment. This coverage offers protection for outdoor appliances, grills, or other equipment on your RV.
  • Reasoning: Arizona experiences monsoon storms. This coverage provides additional protection for your RV against hail and storm damage common during monsoon season.

 Additional Living Expenses
 Trees, shrubs, plants and lawns
 Debris Removal
 Emergency Removal Service and Emergency Repair after a loss
 Credit Card and Check Forgery
 Fire Department Service
 Food Spoilage coverage
 Personal Injury Protection coverage
 Locksmith coverage
 Golf Cart coverage

Now that you've got the lowdown on mobile home insurance coverage in Benson AZ, don't hesitate to get a CoverTree quote now.

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